I was looking into refinancing my reverse mortgage, I applied & a few days later I received a letter in the mail that said I could not refinance because my credit score wasn't good. I called Ennkar & Sammy was the man that answered my call. He researched & found that the denial for me to get a refinanced was a mistake. I have never had a refinance before so I had a lot of questions & being 66 years old I forget things easily, so I would ask him some of the questions over again. Sammy was patient & explained everything I asked him. There are young people who get irritated with older people for being slow & forgetful ( I've had that happen to me) Sammy showed respect to me & we even laughed at things we see around us. He made me feel at ease & comfortable. I want to give Sammy a big hug. Now that the refinance went through I will miss the conversations I had with Sammy I will tell people to contact Ennkar for getting a refinance & ask for Sammy.